The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$103,474
−HK$6,488/mo
▼ 0.25% · 3.875%
HK$106,692
−HK$3,270/mo
Today · 4.125%
HK$109,962
baseline
▲ 0.50% · 4.625%
HK$116,653
+HK$6,691/mo
Deposit HK$22.69M · loan HK$22.69M · min. income ≈ HK$219,924/mo (50% DSR)
Upfront cash ≈ HK$24.62M (deposit + AVD stamp duty HK$1,928,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,113
−HK$6,220/mo
▼ 0.25% · 3.875%
HK$118,201
−HK$3,132/mo
Today · 4.125%
HK$121,333
baseline
▲ 0.50% · 4.625%
HK$127,728
+HK$6,395/mo
Deposit HK$22.69M · loan HK$22.69M · min. income ≈ HK$242,666/mo (50% DSR)
Upfront cash ≈ HK$24.62M (deposit + AVD stamp duty HK$1,928,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,168
−HK$7,787/mo
▼ 0.25% · 3.875%
HK$128,031
−HK$3,924/mo
Today · 4.125%
HK$131,955
baseline
▲ 0.50% · 4.625%
HK$139,984
+HK$8,029/mo
Deposit HK$18.15M · loan HK$27.23M · min. income ≈ HK$263,910/mo (50% DSR)
Upfront cash ≈ HK$20.08M (deposit + AVD stamp duty HK$1,928,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,136
−HK$7,463/mo
▼ 0.25% · 3.875%
HK$141,841
−HK$3,758/mo
Today · 4.125%
HK$145,599
baseline
▲ 0.50% · 4.625%
HK$153,274
+HK$7,675/mo
Deposit HK$18.15M · loan HK$27.23M · min. income ≈ HK$291,198/mo (50% DSR)
Upfront cash ≈ HK$20.08M (deposit + AVD stamp duty HK$1,928,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,863
−HK$9,084/mo
▼ 0.25% · 3.875%
HK$149,369
−HK$4,578/mo
Today · 4.125%
HK$153,947
baseline
▲ 0.50% · 4.625%
HK$163,315
+HK$9,368/mo
Deposit HK$13.61M · loan HK$31.76M · min. income ≈ HK$307,894/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,928,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,159
−HK$8,707/mo
▼ 0.25% · 3.875%
HK$165,481
−HK$4,385/mo
Today · 4.125%
HK$169,866
baseline
▲ 0.50% · 4.625%
HK$178,820
+HK$8,954/mo
Deposit HK$13.61M · loan HK$31.76M · min. income ≈ HK$339,732/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,928,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,253
−HK$11,679/mo
▼ 0.25% · 3.875%
HK$192,046
−HK$5,886/mo
Today · 4.125%
HK$197,932
baseline
▲ 0.50% · 4.625%
HK$209,976
+HK$12,044/mo
Deposit HK$4.54M · loan HK$40.84M · min. income ≈ HK$395,864/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$1,928,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,204
−HK$11,195/mo
▼ 0.25% · 3.875%
HK$212,761
−HK$5,638/mo
Today · 4.125%
HK$218,399
baseline
▲ 0.50% · 4.625%
HK$229,911
+HK$11,512/mo
Deposit HK$4.54M · loan HK$40.84M · min. income ≈ HK$436,798/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$1,928,570 · Scale 2, in force from 26 Feb 2026)